Toyota RAV4 Hybrid Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 15, 2024
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Average insurance rates for a Toyota RAV4 Hybrid are $1,146 a year for full coverage insurance. Comprehensive insurance costs an estimated $240 a year, collision costs $380, and liability coverage costs around $390. A policy with just liability insurance costs as low as $438 a year, with coverage for high-risk drivers costing $2,468 or more. Teen drivers receive the highest rates at $4,330 a year or more.
Average premium for full coverage: $1,146
Rate estimates broken down by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and RAV4 Hybrid trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $438 for liability-only coverage to a high of $2,468 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than larger metro areas.
The diagram below illustrates the effect of geographic area on insurance prices.
These examples illustrate why it is important to compare prices for a targeted area, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below illustrates estimated Toyota RAV4 Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $668
- Using higher $1,000 deductibles will save approximately $1,004 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,146
- Choosing low $100 deductibles for physical damage coverage will cost an additional $270 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,468 or more
- The cost that insures a teenage driver can cost as much as $4,330 or more
Insurance rates for a Toyota RAV4 Hybrid can also vary considerably based on the trim level of your RAV4 Hybrid, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy can be around 44% to 136% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,300 a year. View Rates by Age
Where you live has a huge impact on Toyota RAV4 Hybrid insurance rates. A driver around age 40 might see rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,550 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,036 | -$110 | -9.6% |
| Alaska | $878 | -$268 | -23.4% |
| Arizona | $948 | -$198 | -17.3% |
| Arkansas | $1,146 | -$0 | 0.0% |
| California | $1,304 | $158 | 13.8% |
| Colorado | $1,092 | -$54 | -4.7% |
| Connecticut | $1,176 | $30 | 2.6% |
| Delaware | $1,294 | $148 | 12.9% |
| Florida | $1,428 | $282 | 24.6% |
| Georgia | $1,058 | -$88 | -7.7% |
| Hawaii | $822 | -$324 | -28.3% |
| Idaho | $776 | -$370 | -32.3% |
| Illinois | $852 | -$294 | -25.7% |
| Indiana | $862 | -$284 | -24.8% |
| Iowa | $772 | -$374 | -32.6% |
| Kansas | $1,088 | -$58 | -5.1% |
| Kentucky | $1,562 | $416 | 36.3% |
| Louisiana | $1,694 | $548 | 47.8% |
| Maine | $708 | -$438 | -38.2% |
| Maryland | $946 | -$200 | -17.5% |
| Massachusetts | $914 | -$232 | -20.2% |
| Michigan | $1,988 | $842 | 73.5% |
| Minnesota | $960 | -$186 | -16.2% |
| Mississippi | $1,370 | $224 | 19.5% |
| Missouri | $1,016 | -$130 | -11.3% |
| Montana | $1,228 | $82 | 7.2% |
| Nebraska | $902 | -$244 | -21.3% |
| Nevada | $1,372 | $226 | 19.7% |
| New Hampshire | $826 | -$320 | -27.9% |
| New Jersey | $1,280 | $134 | 11.7% |
| New Mexico | $1,012 | -$134 | -11.7% |
| New York | $1,206 | $60 | 5.2% |
| North Carolina | $660 | -$486 | -42.4% |
| North Dakota | $938 | -$208 | -18.2% |
| Ohio | $790 | -$356 | -31.1% |
| Oklahoma | $1,176 | $30 | 2.6% |
| Oregon | $1,050 | -$96 | -8.4% |
| Pennsylvania | $1,090 | -$56 | -4.9% |
| Rhode Island | $1,526 | $380 | 33.2% |
| South Carolina | $1,038 | -$108 | -9.4% |
| South Dakota | $966 | -$180 | -15.7% |
| Tennessee | $1,002 | -$144 | -12.6% |
| Texas | $1,380 | $234 | 20.4% |
| Utah | $846 | -$300 | -26.2% |
| Vermont | $784 | -$362 | -31.6% |
| Virginia | $686 | -$460 | -40.1% |
| Washington | $884 | -$262 | -22.9% |
| West Virginia | $1,050 | -$96 | -8.4% |
| Wisconsin | $790 | -$356 | -31.1% |
| Wyoming | $1,018 | -$128 | -11.2% |
Choosing high deductibles could cut rates by as much as $420 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 Hybrid | $306 | $536 | $338 | $1,316 |
| 2023 Toyota RAV4 Hybrid | $296 | $524 | $354 | $1,310 |
| 2022 Toyota RAV4 Hybrid | $286 | $502 | $364 | $1,288 |
| 2021 Toyota RAV4 Hybrid | $270 | $484 | $376 | $1,266 |
| 2019 Toyota RAV4 Hybrid | $250 | $424 | $388 | $1,198 |
| 2018 Toyota RAV4 Hybrid | $240 | $380 | $390 | $1,146 |
| 2017 Toyota RAV4 Hybrid | $224 | $350 | $390 | $1,100 |
Rates are averaged for all Toyota RAV4 Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Toyota RAV4 Hybrid Insurance
Saving money on auto insurance requires avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Shop around at every policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a condensed summary of the data covered in the above illustrations.
- Consumers who want higher liability limits will pay about $430 annually to increase from a minimum limit to the 250/500 level
- It is possible to save approximately $140 per year simply by quoting early and online
- Increasing deductibles can save approximately $400 each year
- Teenagers are expensive to insure, costing up to $361 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,330 |
| 20 | $2,620 |
| 30 | $1,186 |
| 40 | $1,146 |
| 50 | $1,046 |
| 60 | $1,026 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,290 |
| $500 | $1,146 |
| $1,000 | $1,004 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,146 |
| 50/100 | $1,224 |
| 100/300 | $1,322 |
| 250/500 | $1,575 |
| 100 CSL | $1,263 |
| 300 CSL | $1,478 |
| 500 CSL | $1,634 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,162 |
| 20 | $4,174 |
| 30 | $2,516 |
| 40 | $2,468 |
| 50 | $2,356 |
| 60 | $2,332 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $60 |
| Homeowner | $18 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $49 |
| Advance Quote | $55 |
| Online Quote | $81 |
| Total Discounts | $478 |
Discounts are estimated and may not be available from every company or in every state.
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